--- title: "Chase Shop and Earn: how up to 15x bonus points work and who can use them" description: "The portal adds bonus Ultimate Rewards points on top of your card's normal rewards, but a few tracking rules decide whether you get them." url: https://travel.skoop.news/chase-shopping-portal-guide-how-to-earn-bonus-ultimate-rewar-9a59ad/ published: 2026-11-08T11:37:06.590994-05:00 modified: 2026-11-08T11:37:06.591004-05:00 section: "Travel" publisher: "skoop.news" language: en keywords: ["Ultimate Rewards", "Chase Freedom Flex", "Chase Freedom Unlimited", "Chase Sapphire Reserve", "Chase Travel", "Cobranded Chase", "Earn", "Shop", "travel", "airline"] hashtags: ["#UltimateRewards", "#ChaseFreedomFlex", "#ChaseFreedomUnlimited", "#Travel", "#travelnews"] image: https://thumb.wikimedia.org/wikipedia/commons/thumb/1/18/Alejandro_Velasco_Astete_International_Airport_-_Terminal_building.jpg/1280px-Alejandro_Velasco_Astete_International_Airport_-_Terminal_building.jpg?utm_source=commons.wikimedia.org&utm_campaign=imageinfo&utm_content=thumbnail --- # Chase Shop and Earn: how up to 15x bonus points work and who can use them > The portal adds bonus Ultimate Rewards points on top of your card's normal rewards, but a few tracking rules decide whether you get them. Published 2026-11-08 · Updated 2026-11-08 · Travel, [skoop.news](https://skoop.news/) ## In brief - Chase's Shop and Earn portal can qualify a purchase with an eligible retailer for up to 15x bonus points, and it covers over 1,000 online retailers [[1]](https://finance.yahoo.com/personal-finance/credit-cards/article/complete-guide-to-chase-ultimate-rewards-170330241.html) [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). - Shop and Earn bonus points are added on top of the standard points or rewards a Chase card earns on the same purchase [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). - Shop and Earn is available only to cardholders who hold at least one Chase credit card in the Ultimate Rewards family [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). ## Up to 15 bonus points per dollar Chase's Shop and Earn portal can qualify a purchase with an eligible retailer for up to 15x bonus points, and it covers over 1,000 online retailers [[1]](https://finance.yahoo.com/personal-finance/credit-cards/article/complete-guide-to-chase-ultimate-rewards-170330241.html) [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). It is open to eligible cardholders who collect bonus Ultimate Rewards points when they shop there [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). This piece covers how the bonus is calculated, who can use it and which rules can cost you the points. ## How the bonus is calculated Shop and Earn bonus points are added on top of the standard points or rewards a Chase card earns on the same purchase [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). Advertised rates range from 1 to 15 bonus points per dollar spent, and these rates change regularly [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). Here is an example. A retailer offering 5 bonus points per dollar would award 500 bonus Ultimate Rewards points on a qualifying $100 purchase, in addition to card rewards [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). ## Who can use it Shop and Earn is available only to cardholders who hold at least one Chase credit card in the Ultimate Rewards family [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). Cobranded Chase airline and hotel cards are not eligible [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). ## How to start a purchase You sign into your Ultimate Rewards account, find a merchant in the portal, and click through to the merchant's website before shopping [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). Shop and Earn typically requires you to complete the purchase in the same browser session you started on the portal, because tracking relies on internet cookies [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). If you close the browser window after clicking through, your visit may not be tracked correctly for rewards [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). ## Timing and exclusions Bonus rewards from the portal may take up to 60 days to post [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). Exclusions apply to gift cards, some coupon codes, and refunded or canceled orders [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). ## Where the points go Ultimate Rewards points can be redeemed for flights, hotels, vacation homes, and more [[1]](https://finance.yahoo.com/personal-finance/credit-cards/article/complete-guide-to-chase-ultimate-rewards-170330241.html). They can also be pooled with members of your household, or with the company owner for business cards [[1]](https://finance.yahoo.com/personal-finance/credit-cards/article/complete-guide-to-chase-ultimate-rewards-170330241.html). To transfer Chase points to airline and hotel partners, you must hold at least one premium Ultimate Rewards card [[3]](https://upgradedpoints.com/credit-cards/chase-ultimate-rewards-review/). ## Other ways Chase cards earn Each Ultimate Rewards card has bonus categories that allow earning between 2x and 10x points per dollar spent on the card [[3]](https://upgradedpoints.com/credit-cards/chase-ultimate-rewards-review/). The Chase Sapphire Reserve earns up to 8x points on Chase Travel purchases and 3x points on dining at restaurants worldwide [[1]](https://finance.yahoo.com/personal-finance/credit-cards/article/complete-guide-to-chase-ultimate-rewards-170330241.html). The Chase Freedom Unlimited offers a flat 1.5% back on every purchase, plus boosted rewards in categories like dining and drugstores [[1]](https://finance.yahoo.com/personal-finance/credit-cards/article/complete-guide-to-chase-ultimate-rewards-170330241.html). The Chase Freedom Flex earns up to 5% back in select rotating categories each quarter, on up to $1,500 in spending after activation [[1]](https://finance.yahoo.com/personal-finance/credit-cards/article/complete-guide-to-chase-ultimate-rewards-170330241.html). The Shops at Chase is a separate marketplace where cardholders can buy curated products with their Chase credit card and/or Ultimate Rewards points [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). ## What it means for you If you hold at least one Chase credit card in the Ultimate Rewards family, Shop and Earn applies to you [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). If your only Chase cards are cobranded airline or hotel cards, it does not [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). Before you shop, sign into your Ultimate Rewards account and click through from the portal [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). Finish the purchase in that same browser session [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). Check the current rate for your retailer, since rates change regularly [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). Then allow up to 60 days for the bonus to post, and remember that gift cards, some coupon codes, and refunded or canceled orders are excluded [[2]](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/). ## Sources 1. [Your complete guide to Chase Ultimate Rewards](https://finance.yahoo.com/personal-finance/credit-cards/article/complete-guide-to-chase-ultimate-rewards-170330241.html) — Yahoo Finance 2. [Chase shopping portal guide: How to earn bonus Ultimate Rewards points](https://thepointsguy.com/loyalty-programs/chase-shopping-portal/) — The Points Guy 3. [Chase Ultimate Rewards: Maximize Your Earnings & Redemptions](https://upgradedpoints.com/credit-cards/chase-ultimate-rewards-review/) — Upgraded Points Image: Photo (illustrative): AgainErick / Wikimedia Commons, CC BY-SA 4.0 (https://commons.wikimedia.org/wiki/File:Alejandro_Velasco_Astete_International_Airport_-_Terminal_building.jpg) --- Written from the sources above and checked twice (rules and an independent model) before publishing. How we work: https://skoop.news/how-we-work/ · Corrections: https://skoop.news/corrections/